Instead of buckling down and tightening their belts they cave to the public sector unions and chase after more tax money rather than growth. 

To better refine my offers I am trying to tighten up my rehab estimation as I fill it is the weakest link in my analysis right now. 

Rules have tightened a bit in the area and neighboring cities.

@Will Hand It's my experience that credit from local, smaller banks are tightening up. 

The pandemic has tightened inventory further, with Austin dropping to 1.7 months and the metro area dropping a whole month down to match Austin at 1.7 months of supply.So far, then, the Austin area market is maintaining its familiar overall pattern of extremely low listing inventory, sky-high buyer demand, and steadily rising home prices.

I need a conventional loan to get a mortgage, and I can't find anyone that will do a low credit score conventional loan with Covid tightening everything up.

You’re going to be hard-pressed to get a loan without a job especially since lending practices of tightened up.

Standards have definitely tightened a bit, but there are still plenty of deals being done.

Tighten up!

At the end of the day..banks need to lend to make money so what could change is maybe it will cost more in fees to do the cash out refi or maybe they tighten up certain restrictions but best way call some local banks and hear it from the horses mouth